treeman
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Post by treeman on Mar 27, 2017 13:16:05 GMT
Does anyone have a any recommendations for a suitable Cash ISA to use as a holding account for this years allowance pending transfer to a suitable IFISA(s) (hopefully) later this year ? I used TSB, since I already have a couple of current accounts there, making the flexible withdrawals/replacements very easy. My main bank's offerings (Santander) are not flexible, with less interest, which is why I was looking around............
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Liz
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Post by Liz on Mar 27, 2017 13:26:36 GMT
I opened a Coventry flexible cash ISA, 1.05% interest. Just need all my SS SM loans to sell now.
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treeman
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Post by treeman on Mar 27, 2017 13:34:08 GMT
I opened a Coventry flexible cash ISA, 1.05% interest. Just need all my SS SM loans to sell now. That looks about the best one to me - probably go for it in the next few days.
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adrianc
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Post by adrianc on Mar 27, 2017 14:20:43 GMT
I opened a Coventry flexible cash ISA, 1.05% interest. Just need all my SS SM loans to sell now. That looks about the best one to me - probably go for it in the next few days. We went for a Cov cash ISA the other year, and have a Cov savings account - they certainly seem to specialise in buying customers with market-leading rates... The downside is that their internet access is comical. It requires a credit-card sized piece of paper with a table of random numbers on it, like an early 90s computer game's "anti-copy" sheet...
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treeman
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Post by treeman on Mar 27, 2017 16:05:16 GMT
That looks about the best one to me - probably go for it in the next few days. We went for a Cov cash ISA the other year, and have a Cov savings account - they certainly seem to specialise in buying customers with market-leading rates... The downside is that their internet access is comical. It requires a credit-card sized piece of paper with a table of random numbers on it, like an early 90s computer game's "anti-copy" sheet... Sounds ........ interesting ......... not like I will need to access it very often !
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adrianc
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Post by adrianc on Mar 27, 2017 16:06:29 GMT
We went for a Cov cash ISA the other year, and have a Cov savings account - they certainly seem to specialise in buying customers with market-leading rates... The downside is that their internet access is comical. It requires a credit-card sized piece of paper with a table of random numbers on it, like an early 90s computer game's "anti-copy" sheet... Sounds ........ interesting ......... not like I will need to access it very often ! Having been reminded, I've just tried... for the first time since June last year, apparently. After getting a bit sweary, there's a password reset in the post.
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Post by investmentmarketplace on Mar 29, 2017 12:36:34 GMT
Hey guys If you're still deciding on which IFISA to go with - please check out the OFF3R IFISA comparison table. It gives you a quick snap shot of what each platform offers, hopefully, making deciding a lot easier. (Contains affiliate links) learn.off3r.com/innovative-finance-isa/ (Contains affiliate links
If you would like to see additional information outlined here please let us know. Cheers The OFF3R Team |
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adrianc
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Post by adrianc on Mar 31, 2017 13:20:43 GMT
Sounds ........ interesting ......... not like I will need to access it very often ! Having been reminded, I've just tried... for the first time since June last year, apparently. After getting a bit sweary, there's a password reset in the post. ...and the password reset has arrived. I now remember what really amused/irked me about it. To reset your password, you have to WRITE IT ON THE FORM THEY SEND AND POST IT BACK TO THEM. I kid you not.
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Post by bracknellboy on Mar 31, 2017 14:00:46 GMT
Yes I remember that. Staggered was the phrase that came to mind. I also remember and still have the grid of numbers. Its precisely why the only thing i have with them is a legacy ISA (earning a decent enough rate): I went to open something else with them about 8 months ago and utterly gave up. Thankfully, as and when I need to do something with the ISA I will be able to simply get anotehr financial entity to perform the transfer.......I won't need to go near my account.
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treeman
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Post by treeman on Mar 31, 2017 14:43:44 GMT
Having been reminded, I've just tried... for the first time since June last year, apparently. After getting a bit sweary, there's a password reset in the post. ...and the password reset has arrived. I now remember what really amused/irked me about it. To reset your password, you have to WRITE IT ON THE FORM THEY SEND AND POST IT BACK TO THEM. I kid you not. Ha! I applied for the cash ISA a few days ago - details arrived today. Just tried sorting the online banking access ........... and sure enough it transpires they have posted me a password form under separate cover which I then have to fill in and return. THEN they send me a Web ID and the card thingy......... Apparently I will be able to change that password online (considering I will have just sent it to someone I don't know) ...... The nice lady on the phone assured me there was no way to expedite the process. 'Archaic' doesn't really cover it..... At least I've got the account and sort code so I can get the funds in - I'll just have to phone up for a balance check to ensure the dosh has arrived  
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toast
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Post by toast on Mar 31, 2017 16:18:57 GMT
Just tried sorting the online banking access ........... and sure enough it transpires they have posted me a password form under separate cover which I then have to fill in and return. THEN they send me a Web ID and the card thingy......... Apparently I will be able to change that password online (considering I will have just sent it to someone I don't know) ...... I signed up for that Coventry ISA online recently too. After applying for the account there was a separate "register for online services" web form to fill out here. So I think it's possible to arrange it all online without posting passwords to people: www.coventrybuildingsociety.co.uk/onlineservices/manage/OLS_ApplyDetails.aspxThough it does seem a tad excessive that they then sent me 6 separate letters through the post just to open a single account.
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dzo
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Post by dzo on Mar 31, 2017 17:21:25 GMT
...and the password reset has arrived. I now remember what really amused/irked me about it. To reset your password, you have to WRITE IT ON THE FORM THEY SEND AND POST IT BACK TO THEM. I kid you not. Ha! I applied for the cash ISA a few days ago - details arrived today. Just tried sorting the online banking access ........... and sure enough it transpires they have posted me a password form under separate cover which I then have to fill in and return. THEN they send me a Web ID and the card thingy......... Apparently I will be able to change that password online (considering I will have just sent it to someone I don't know) ...... The nice lady on the phone assured me there was no way to expedite the process. 'Archaic' doesn't really cover it..... At least I've got the account and sort code so I can get the funds in - I'll just have to phone up for a balance check to ensure the dosh has arrived They should at least ask you to write your password backwards in invisible ink.
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littleoldlady
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Running down all platforms due to age
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Post by littleoldlady on Mar 31, 2017 17:22:19 GMT
I have opened several accounts with them including one this week and have not had to send them anything, all input from my end is on line. So I think it must be the very first time that one opens their initial account that they follow the procedure described above. So my advice is to open that first account with £1 and don't add any more until you have full on-line access and can reset the password. Tough luck if you want to pay into an ISA this FY.
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treeman
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Post by treeman on Mar 31, 2017 18:00:06 GMT
Just tried sorting the online banking access ........... and sure enough it transpires they have posted me a password form under separate cover which I then have to fill in and return. THEN they send me a Web ID and the card thingy......... Apparently I will be able to change that password online (considering I will have just sent it to someone I don't know) ...... I signed up for that Coventry ISA online recently too. After applying for the account there was a separate "register for online services" web form to fill out here. So I think it's possible to arrange it all online without posting passwords to people: www.coventrybuildingsociety.co.uk/onlineservices/manage/OLS_ApplyDetails.aspxThough it does seem a tad excessive that they then sent me 6 separate letters through the post just to open a single account. Unfortunately a 'computer says no' attempt on the very page your link goes to was what led to me phoning them re Online Banking Access .............
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Liz
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Post by Liz on Apr 1, 2017 10:44:24 GMT
It would be interesting to re-run the poll for 17/18, assuming that all platforms manage to launch an ISA.
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